La Loma Federal Credit Union
Major Rating Factors:
Very Weak current capitalization (0.2 on a scale of 0 to 10) based on a net capital to total assets of 3.5 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 20.0 percent and a “hot money” ratio of 7.0 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Good (6.0) profitability.
Asset Mix:
Consumer loans (31%), home mtgs (19%), securities (2%), other (48%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
26151 Mayberry Street
Loma Linda, CA 92354
Loma Linda, CA 92354
Phone Number
(909) 796-0206
NCUA Charter Number
Website
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